CN113674083A - Internet financial platform credit risk monitoring method, device and computer system - Google Patents
Internet financial platform credit risk monitoring method, device and computer system Download PDFInfo
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Abstract
According to the internet financial platform credit risk monitoring method, device and computer system, a user can accurately inquire the credit risk of an internet financial platform to be inquired, so that the user can conveniently trade with the internet financial platform, a reliable inquiry platform and a risk monitoring mechanism are provided for the user, the information inquired by the user is real information, the credit risk of the internet financial platform is not required to be identified through friend introduction or unreliable webpage information, wrong guiding information can be effectively shielded, and a real and reliable inquiry result is provided for the user.
Description
Technical Field
The application relates to the technical field of internet, in particular to a method, a device and a computer system for monitoring credit risk of an internet financial platform.
Background
With the development of internet technology, internet finance becomes a new financial mode, a user can perform various financial services based on the internet, in internet finance, the user generally knows whether the internet financial platform is reliable or not in a manner of being informed by hundreds or friends in order to verify the credit problem of the internet financial platform, however, a real and reliable credit risk monitoring mechanism is not provided for monitoring whether the internet financial platform is reliable or not, and the user can be assured to invest.
Disclosure of Invention
The application provides a credit risk monitoring method, a credit risk monitoring device and a credit risk monitoring computer system for an internet financial platform, and aims to solve the problems.
In a first aspect, the present application provides an internet financial platform credit risk monitoring method, applied to a third-party server, the method including: the method comprises the steps of obtaining internet financial platform credit inquiry information input by a user based on a fifth generation mobile communication technology 5G link dual-connection mode, wherein the internet financial platform credit inquiry information comprises name information, stockholder information and loan information of an internet financial platform to be inquired, and the method comprises the following steps of: receiving M pieces of internet financial platform credit inquiry information input by M users based on a 5G link dual-connection mode of a fifth generation mobile communication technology; storing the M pieces of credit inquiry information of the internet financial platform into a first temporary storage space; transferring N pieces of credit inquiry information of the Internet financial platform in the first temporary storage space to a second temporary storage space at one time by using a mass transfer technology, wherein N is more than 3 and is less than or equal to M; the N pieces of credit inquiry information of the internet financial platform are independently transferred and are not subjected to packaging compression transfer; processing the credit inquiry information of the internet financial platform in the second temporary storage space; acquiring a preset key corresponding to the name information, wherein the preset key is stored in a key bank, and the key bank is generated in advance according to the name information of all internet financial platforms; searching storage information matched with the preset key in the block chain, wherein the storage information comprises shareholder information and loan information corresponding to the name information; determining whether a shareholder in the shareholder information has changed; if yes, determining whether the loan information comprises default information or loan times exceeding a preset limit; if the loan information comprises default information or the number of times of loan exceeding a preset limit, determining that the risk level of the credit risk of the internet financial platform to be inquired is a red level; if the shareholders in the shareholder information are not changed, determining whether default information and loan times exceeding a preset limit are included in the loan information; if the default times corresponding to the default information are located in a first preset threshold interval and the loan times exceeding a preset limit are smaller than a first threshold, determining the risk level of the credit risk of the internet financial platform to be inquired as a blue level, wherein the blue level is smaller than the red level; and outputting the risk level of the credit risk of the Internet financial platform to be inquired.
In a possible embodiment, after determining whether the loan information includes default information and the number of loans exceeding a predetermined limit, the method further includes: if the default times corresponding to the default information are located in a first preset threshold interval, and the loan times exceeding a preset limit are larger than a first threshold and smaller than a second threshold, determining that the risk level of the credit risk of the internet financial platform to be inquired is a cyan level, wherein the cyan level is larger than the blue level and smaller than the red level; if the default times corresponding to the default information are located in a first preset threshold interval, and the loan times exceeding a preset limit are larger than a second threshold and smaller than a third threshold, determining that the risk level of the credit risk of the internet financial platform to be inquired is a green level, wherein the green level is larger than the cyan level and smaller than the red level; if the default times corresponding to the default information are located in a first preset threshold interval, and the loan times exceeding a preset amount are larger than a third threshold and smaller than a fourth threshold, determining that the risk level of the credit risk of the internet financial platform to be queried is a red level, wherein the first threshold is equal to 1, the second threshold is equal to 5, the third threshold is equal to 7, the fourth threshold is equal to 9, and the first preset threshold interval is 0-1; acquiring a plurality of pieces of comment information associated with the to-be-queried internet financial platform from a website server based on a 5G link dual-connection mode when the to-be-queried internet financial platform is in the red level; and displaying the plurality of pieces of comment information.
In a possible embodiment, before said displaying said plurality of pieces of comment information, said method further comprises: for each piece of comment information in the plurality of pieces of comment information, determining relevance measurement of the comment information according to at least one of content and source of the comment information and relevance of the comment information to the to-be-queried internet financial platform; the displaying the plurality of pieces of comment information includes: and sequentially displaying the plurality of pieces of comment information according to the relevance measurement of the plurality of pieces of comment information.
In a possible embodiment, before outputting the risk level of credit risk of the internet financial platform to be queried, the method further comprises: if the default times corresponding to the default information are located in a second preset threshold interval, determining that the risk level of the credit risk of the internet financial platform to be inquired is a black level, wherein the black level is greater than the red level; generating to-be-linked data by the black level, the name information of the to-be-queried internet financial platform, the shareholder information and the loan information; calling an intelligent contract deployed in a block chain to generate abstract information corresponding to the data to be linked; storing the summary information and the data to be uplink into a block chain; after outputting the risk level of the credit risk of the internet financial platform to be queried, the method further comprises: if the risk level of the credit risk of the internet financial platform to be inquired is greater than or equal to the red level, acquiring the risk condition of the internet financial platform with the red level in history; and sending the risk condition to a user terminal in a video format to prompt the user to attach high importance to the internet financial platform to be inquired so as to avoid transaction risk.
In a possible embodiment, the sending the risk condition to the user terminal in a video format includes: acquiring user information when sending a video, wherein the user information comprises an IP address, a registration password, a key generation rule and a key sequencing rule; generating an encryption key according to the registration password, the key generation rule and the key sequencing rule; wherein the generating an encryption key according to the registration password, the key generation rule, and the key sorting rule comprises: extracting a character string from the registration password according to the key generation rule to form a key; dividing the key into a plurality of subkeys; sequencing a plurality of sub-keys according to the key sequencing rule to obtain the encryption key; encrypting the video according to the encryption key to obtain an encrypted video; and sending the encrypted video to a user terminal.
In a possible embodiment, the method further comprises: and deleting the access record of the user to clear the history information of the user accessing the third-party server, wherein the access record comprises the credit inquiry information of the internet financial platform initiated by the user and the login information of the user, and the login information comprises an IP address, a registration password, a key generation rule and a key sorting rule.
In a possible embodiment, before determining whether the loan information includes default information or the number of loans exceeding a predetermined limit, the method further includes: if the shareholder in the shareholder information is changed, generating a shareholder change topology structure chart, wherein the shareholder change topology structure chart comprises the shareholder change times and the number of shareholder change persons; respectively calculating the influence degree value of each shareholder change on the to-be-inquired internet financial platform based on the shareholder change topology structure chart; counting the number of the influence degree values which are larger than a preset influence degree value threshold; if the number is less than or equal to 1, executing the following steps: determining whether the loan information comprises default information or the loan times exceeding a preset limit; and if the number is greater than 1, determining that the risk level of the credit risk of the to-be-queried internet financial platform is a red level.
In a possible embodiment, the method further comprises: acquiring IP addresses and equipment types which are input by a user and used for receiving the plurality of pieces of comment information, wherein the equipment types are vehicle-mounted central control displays; and sending the plurality of pieces of comment information to an on-vehicle central control display by using a 5G network based on the IP address and the equipment type so as to display the plurality of pieces of comment information in the on-vehicle central control display one by one.
In a second aspect, the present application provides an internet financial platform credit risk monitoring device, applied to a third-party server, the device includes: the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring internet financial platform credit inquiry information input by a user based on a 5G link dual-connection mode of a fifth generation mobile communication technology, the internet financial platform credit inquiry information comprises name information, stockholder information and loan information of an internet financial platform to be inquired, and the first acquisition module is specifically used for: receiving M pieces of internet financial platform credit inquiry information input by M users based on a 5G link dual-connection mode of a fifth generation mobile communication technology; storing the M pieces of credit inquiry information of the internet financial platform into a first temporary storage space; transferring N pieces of credit inquiry information of the Internet financial platform in the first temporary storage space to a second temporary storage space at one time by using a mass transfer technology, wherein N is more than 3 and is less than or equal to M; the N pieces of credit inquiry information of the internet financial platform are independently transferred and are not subjected to packaging compression transfer; processing the credit inquiry information of the internet financial platform in the second temporary storage space; the second acquisition module is used for acquiring a preset secret key corresponding to the name information, the preset secret key is stored in a secret key library, and the secret key library is generated in advance according to the name information of all internet financial platforms; the searching module is used for searching for storage information matched with the preset key in the block chain, wherein the storage information comprises shareholder information and loan information corresponding to the name information; the first processing module is used for determining whether the shareholder in the shareholder information is changed; the first execution module is used for determining whether the loan information comprises default information or the loan times exceeding a preset limit if the loan information comprises the default information; the second execution module is used for determining that the risk level of the credit risk of the internet financial platform to be inquired is a red level if the loan information comprises default information or the number of times of loan exceeding a preset limit; the third execution module is used for determining whether the loan information comprises default information and loan times exceeding a preset limit if the shareholder in the shareholder information is not changed; the fourth execution module is used for determining that the risk level of the credit risk of the internet financial platform to be inquired is a blue level if the default times corresponding to the default information are located in a first preset threshold interval and the loan times exceeding a preset limit are smaller than a first threshold, and the blue level is smaller than the red level; and the output module is used for outputting the risk level of the credit risk of the internet financial platform to be inquired.
In a third aspect, the present embodiment further provides a computer system, including: a processor; and a memory storing a computer program which, when executed by the processor, causes the processor to perform the method of any of the first aspects.
According to the internet financial platform credit risk monitoring method, device and computer system, the method comprises the steps of receiving M pieces of internet financial platform credit inquiry information input by M users based on a 5G link dual-connection mode of a fifth generation mobile communication technology; storing the M pieces of credit inquiry information of the internet financial platform into a first temporary storage space; transferring N pieces of credit inquiry information of the Internet financial platform in the first temporary storage space to a second temporary storage space at one time by using a mass transfer technology, wherein N is more than 3 and is less than or equal to M; the N pieces of credit inquiry information of the internet financial platform are independently transferred and are not subjected to packaging compression transfer; and processing the credit inquiry information of the internet financial platform in the second temporary storage space. Acquiring a preset key corresponding to the name information, wherein the preset key is stored in a key bank, and the key bank is generated in advance according to the name information of all internet financial platforms; searching storage information matched with the preset key in the block chain, wherein the storage information comprises shareholder information and loan information corresponding to the name information; determining whether a shareholder in the shareholder information has changed; if yes, determining whether the loan information comprises default information or loan times exceeding a preset limit; if the loan information comprises default information or the number of times of loan exceeding a preset limit, determining that the risk level of the credit risk of the internet financial platform to be inquired is a red level; if the shareholders in the shareholder information are not changed, determining whether default information and loan times exceeding a preset limit are included in the loan information; if the default times corresponding to the default information are located in a first preset threshold interval and the loan times exceeding a preset limit are smaller than a first threshold, determining the risk level of the credit risk of the internet financial platform to be inquired as a blue level, wherein the blue level is smaller than the red level; outputting the risk level of the credit risk of the internet financial platform to be inquired; therefore, the user can accurately inquire the credit risk of the internet financial platform to be inquired so as to facilitate the transaction between the user and the internet financial platform, a reliable inquiry platform and a risk monitoring mechanism are provided for the user, the information inquired by the user is real information, the credit risk of the internet financial platform is not required to be identified through friend introduction or unreliable webpage information, wrong guiding information can be effectively shielded, and a real and reliable inquiry result is provided for the user.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained from the drawings without inventive effort.
Fig. 1 is a schematic structural diagram of an electronic device according to a first embodiment of the present application;
fig. 2 is a flowchart of a method for monitoring credit risk of an internet financial platform according to a second embodiment of the present application;
fig. 3 is a functional block diagram of a credit risk monitoring device of an internet financial platform according to a third embodiment of the present application.
Detailed Description
To make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions of the present application will be clearly and completely described below with reference to the accompanying drawings, and it is obvious that the described embodiments are some, but not all embodiments of the present application. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
First embodiment
Fig. 1 is a schematic structural diagram of an electronic device according to an embodiment of the present application, and in this application, an electronic device 100 for implementing an example of the internet financial platform credit risk monitoring method, apparatus, and computer system according to the embodiment of the present application may be described by using the schematic diagram shown in fig. 1. The electronic device may perform the steps of the internet financial platform credit risk monitoring method according to the second embodiment, or implement the functions of the internet financial platform credit risk monitoring apparatus according to the third embodiment. Here, the description is omitted.
As shown in fig. 1, a schematic structural diagram of an electronic device, a processor 102 of the electronic device 100; and a storage 104 storing a computer program which, when executed by the processor 102, causes the processor 102 to perform the method according to the second embodiment.
Of course, in actual use, the electronic device 100 may also include an input device 106 and/or an output device 108, which may be interconnected via a bus system and/or other form of connection mechanism (not shown). It should be noted that the components and structure of the electronic device 100 shown in fig. 1 are only exemplary and not limiting, and the electronic device may have some of the components shown in fig. 1 and may also have other components and structures not shown in fig. 1, as desired.
The processor 102 may be a Central Processing Unit (CPU) or other form of processing unit having data processing capabilities and/or instruction execution capabilities, and may control other components in the electronic device 100 to perform desired functions.
The storage 104 may include one or more computer program products that may include various forms of computer-readable storage media, such as volatile memory and/or non-volatile memory. The volatile memory may include, for example, Random Access Memory (RAM), cache memory (cache), and/or the like. The non-volatile memory may include, for example, Read Only Memory (ROM), hard disk, flash memory, etc. On which one or more computer program instructions may be stored that may be executed by processor 102 to implement the client functionality (implemented by the processor) of the embodiments of the application described below and/or other desired functionality. Various applications and various data, such as various data used and/or generated by the applications, may also be stored in the computer-readable storage medium.
The input device 106 may be a device used by a user to input instructions and may include one or more of a keyboard, a mouse, a microphone, a touch screen, and the like.
The output device 108 may be an output interface or a display screen, and is configured to output the risk level of the credit risk of the internet financial platform to be queried or display comment information.
Second embodiment:
referring to a flowchart of the internet financial platform credit risk monitoring method shown in fig. 2, the method is applied to a third-party server, and the method specifically includes the following steps:
step S201, obtaining the credit inquiry information of the Internet financial platform input by the user based on the 5G link dual-connection mode of the fifth generation mobile communication technology.
The credit inquiry information of the internet financial platform comprises name information, shareholder information and loan information of the internet financial platform to be inquired.
Optionally, step S201 includes: receiving M pieces of internet financial platform credit inquiry information input by M users based on a 5G link dual-connection mode of a fifth generation mobile communication technology; storing the M pieces of credit inquiry information of the internet financial platform into a first temporary storage space; transferring N pieces of credit inquiry information of the Internet financial platform in the first temporary storage space to a second temporary storage space at one time by using a mass transfer technology, wherein N is more than 3 and is less than or equal to M; the N pieces of credit inquiry information of the internet financial platform are independently transferred and are not subjected to packaging compression transfer; and processing the credit inquiry information of the internet financial platform in the second temporary storage space.
Step S202, acquiring a preset key corresponding to the name information.
And the preset key is stored in a key bank.
The key bank is generated in advance according to name information of all internet financial platforms.
Step S203, searching for the storage information in the block chain matching with the preset key.
And the storage information comprises shareholder information and loan information corresponding to the name information.
Step S204, determining whether the shareholder in the shareholder information is changed.
Step S205, if yes, determine whether the loan information includes default information or the number of times of loan exceeding a preset amount.
In a possible embodiment, before step S205, the method further includes: if the shareholder in the shareholder information is changed, generating a shareholder change topology structure chart, wherein the shareholder change topology structure chart comprises the shareholder change times and the number of shareholder change persons; respectively calculating the influence degree value of each shareholder change on the to-be-inquired internet financial platform based on the shareholder change topology structure chart; counting the number of the influence degree values which are larger than a preset influence degree value threshold; if the number is less than or equal to 1, executing the following steps: determining whether the loan information comprises default information or the loan times exceeding a preset limit; and if the number is greater than 1, determining that the risk level of the credit risk of the to-be-queried internet financial platform is a red level.
In a possible embodiment, after step S205, the method further comprises: if the default times corresponding to the default information are located in a first preset threshold interval, and the loan times exceeding a preset limit are larger than a first threshold and smaller than a second threshold, determining that the risk level of the credit risk of the internet financial platform to be inquired is a cyan level, wherein the cyan level is larger than the blue level and smaller than the red level; if the default times corresponding to the default information are located in a first preset threshold interval, and the loan times exceeding a preset limit are larger than a second threshold and smaller than a third threshold, determining that the risk level of the credit risk of the internet financial platform to be inquired is a green level, wherein the green level is larger than the cyan level and smaller than the red level; if the default times corresponding to the default information are located in a first preset threshold interval, and the loan times exceeding a preset amount are larger than a third threshold and smaller than a fourth threshold, determining that the risk level of the credit risk of the internet financial platform to be queried is a red level, wherein the first threshold is equal to 1, the second threshold is equal to 5, the third threshold is equal to 7, the fourth threshold is equal to 9, and the first preset threshold interval is 0-1; acquiring a plurality of pieces of comment information associated with the to-be-queried internet financial platform from a website server based on a 5G link dual-connection mode when the to-be-queried internet financial platform is in the red level; and displaying the plurality of pieces of comment information.
In the implementation process, determining that the risk level of the credit risk of the internet financial platform to be inquired is a cyan level by judging that the default times corresponding to the default information are located in a first preset threshold interval, and the loan times exceeding a preset limit are greater than a first threshold and smaller than a second threshold, wherein the cyan level is greater than the blue level and smaller than the red level; if the default times corresponding to the default information are located in a first preset threshold interval, and the loan times exceeding a preset limit are larger than a second threshold and smaller than a third threshold, determining that the risk level of the credit risk of the internet financial platform to be inquired is a green level, wherein the green level is larger than the cyan level and smaller than the red level; if the default times corresponding to the default information are located in a first preset threshold interval, and the loan times exceeding a preset amount are larger than a third threshold and smaller than a fourth threshold, determining that the risk level of the credit risk of the internet financial platform to be queried is a red level, wherein the first threshold is equal to 1, the second threshold is equal to 5, the third threshold is equal to 7, the fourth threshold is equal to 9, and the first preset threshold interval is 0-1; acquiring a plurality of pieces of comment information associated with the to-be-queried internet financial platform from a website server based on a 5G link dual-connection mode when the to-be-queried internet financial platform is in the red level; and displaying the plurality of pieces of comment information. Therefore, the credit risk problem of the internet financial platform to be inquired can be accurately known, the user can be prompted in a mode of displaying a plurality of pieces of comment information, credit risk identification of the user on the internet financial platform to be inquired can be further improved, and user risk is reduced.
In a possible embodiment, before said displaying said plurality of pieces of comment information, said method further comprises: for each piece of comment information in the plurality of pieces of comment information, determining relevance measurement of the comment information according to at least one of content and source of the comment information and relevance of the comment information to the to-be-queried internet financial platform; the displaying the plurality of pieces of comment information includes: and sequentially displaying the plurality of pieces of comment information according to the relevance measurement of the plurality of pieces of comment information.
In a possible embodiment, the method further comprises: acquiring IP addresses and equipment types which are input by a user and used for receiving the plurality of pieces of comment information, wherein the equipment types are vehicle-mounted central control displays; and sending the plurality of pieces of comment information to an on-vehicle central control display by using a 5G network based on the IP address and the equipment type so as to display the plurality of pieces of comment information in the on-vehicle central control display one by one.
In the implementation process, the IP addresses and the equipment types for receiving the comment information, which are input by a user, are acquired, wherein the equipment types are vehicle-mounted central control displays; and sending the plurality of comment information to a vehicle-mounted central control display by using a 5G network based on the IP address and the equipment type so as to display the plurality of comment information in the vehicle-mounted central control display one by one, so that the user can still inquire even in the vehicle and display the comment information through the central control, and the application scene is effectively expanded.
Step S206, if the loan information comprises default information or the loan frequency exceeding a preset limit, determining that the risk level of the credit risk of the Internet financial platform to be inquired is a red level.
Step S207, if the shareholder in the shareholder information is not changed, determining whether the loan information includes default information and the number of times of loan exceeding a preset amount.
The preset amount may be set according to the capital of different internet financial platforms, and is not particularly limited herein.
In a possible embodiment, before step S207, the method further comprises: if the shareholder in the shareholder information is changed, generating a shareholder change topology structure chart, wherein the shareholder change topology structure chart comprises the shareholder change times and the number of shareholder change persons; respectively calculating the influence degree value of each shareholder change on the to-be-inquired internet financial platform based on the shareholder change topology structure chart; counting the number of the influence degree values which are larger than a preset influence degree value threshold; if the number is less than or equal to 1, executing the following steps: determining whether the loan information comprises default information or the loan times exceeding a preset limit; and if the number is greater than 1, determining that the risk level of the credit risk of the to-be-queried internet financial platform is a red level.
Step S208, if the default times corresponding to the default information are within a first preset threshold interval and the loan times exceeding a preset limit are smaller than a first threshold, determining that the risk level of the credit risk of the Internet financial platform to be queried is a blue level.
Wherein the blue level is less than the red level.
And step S209, outputting the risk level of the credit risk of the Internet financial platform to be inquired.
In a possible embodiment, before step S209, the method further includes: if the default times corresponding to the default information are located in a second preset threshold interval, determining that the risk level of the credit risk of the internet financial platform to be inquired is a black level, wherein the black level is greater than the red level; generating to-be-linked data by the black level, the name information of the to-be-queried internet financial platform, the shareholder information and the loan information; calling an intelligent contract deployed in a block chain to generate abstract information corresponding to the data to be linked; storing the summary information and the data to be uplink into a block chain; after step S209, the method further comprises: if the risk level of the credit risk of the internet financial platform to be inquired is greater than or equal to the red level, acquiring the risk condition of the internet financial platform with the red level in history; and sending the risk condition to a user terminal in a video format to prompt the user to attach high importance to the internet financial platform to be inquired so as to avoid transaction risk.
Optionally, the sending the risk condition to the user terminal in a video format includes: acquiring user information when sending a video, wherein the user information comprises an IP address, a registration password, a key generation rule and a key sequencing rule; generating an encryption key according to the registration password, the key generation rule and the key sequencing rule; wherein the generating an encryption key according to the registration password, the key generation rule, and the key sorting rule comprises: extracting a character string from the registration password according to the key generation rule to form a key; dividing the key into a plurality of subkeys; sequencing a plurality of sub-keys according to the key sequencing rule to obtain the encryption key; encrypting the video according to the encryption key to obtain an encrypted video; and sending the encrypted video to a user terminal.
In a possible embodiment, the method further comprises: and deleting the access record of the user to clear the history information of the user accessing the third-party server, wherein the access record comprises the credit inquiry information of the internet financial platform initiated by the user and the login information of the user, and the login information comprises an IP address, a registration password, a key generation rule and a key sorting rule.
In the implementation process, the access records of the user are deleted to empty the historical information of the third-party server accessed by the user, so that the historical information can be deleted after the inquiry is finished even if the user inputs privacy information such as a mobile phone number when inquiring, the leakage probability of the privacy information can be reduced, the information safety of the user is ensured, and the user can safely inquire.
The embodiment of the application provides an internet financial platform credit risk monitoring method, which comprises the steps of receiving M pieces of internet financial platform credit inquiry information input by M users based on a 5G link dual-connection mode of a fifth generation mobile communication technology; storing the M pieces of credit inquiry information of the internet financial platform into a first temporary storage space; transferring N pieces of credit inquiry information of the Internet financial platform in the first temporary storage space to a second temporary storage space at one time by using a mass transfer technology, wherein N is more than 3 and is less than or equal to M; the N pieces of credit inquiry information of the internet financial platform are independently transferred and are not subjected to packaging compression transfer; and processing the credit inquiry information of the internet financial platform in the second temporary storage space. Acquiring a preset key corresponding to the name information, wherein the preset key is stored in a key bank, and the key bank is generated in advance according to the name information of all internet financial platforms; searching storage information matched with the preset key in the block chain, wherein the storage information comprises shareholder information and loan information corresponding to the name information; determining whether a shareholder in the shareholder information has changed; if yes, determining whether the loan information comprises default information or loan times exceeding a preset limit; if the loan information comprises default information or the number of times of loan exceeding a preset limit, determining that the risk level of the credit risk of the internet financial platform to be inquired is a red level; if the shareholders in the shareholder information are not changed, determining whether default information and loan times exceeding a preset limit are included in the loan information; if the default times corresponding to the default information are located in a first preset threshold interval and the loan times exceeding a preset limit are smaller than a first threshold, determining the risk level of the credit risk of the internet financial platform to be inquired as a blue level, wherein the blue level is smaller than the red level; outputting the risk level of the credit risk of the internet financial platform to be inquired; therefore, the user can accurately inquire the credit risk of the internet financial platform to be inquired so as to facilitate the transaction between the user and the internet financial platform, a reliable inquiry platform and a risk monitoring mechanism are provided for the user, the information inquired by the user is real information, the credit risk of the internet financial platform is not required to be identified through friend introduction or unreliable webpage information, wrong guiding information can be effectively shielded, and a real and reliable inquiry result is provided for the user.
The third embodiment:
referring to fig. 3, an internet financial platform credit risk monitoring apparatus applied to a third-party server is shown, the apparatus 400 includes:
the first obtaining module 410 is configured to obtain internet financial platform credit query information input by a user based on a 5G link dual-connection mode of a fifth-generation mobile communication technology, where the internet financial platform credit query information includes name information, shareholder information, and loan information of an internet financial platform to be queried.
The first obtaining module 410 is specifically configured to: receiving M pieces of internet financial platform credit inquiry information input by M users based on a 5G link dual-connection mode of a fifth generation mobile communication technology; storing the M pieces of credit inquiry information of the internet financial platform into a first temporary storage space; transferring N pieces of credit inquiry information of the Internet financial platform in the first temporary storage space to a second temporary storage space at one time by using a mass transfer technology, wherein N is more than 3 and is less than or equal to M; the N pieces of credit inquiry information of the internet financial platform are independently transferred and are not subjected to packaging compression transfer; and processing the credit inquiry information of the internet financial platform in the second temporary storage space.
A second obtaining module 420, configured to obtain a preset key corresponding to the name information, where the preset key is stored in a key store, and the key store is generated in advance according to the name information of all internet financial platforms.
The searching module 430 is configured to search for storage information in the block chain, where the storage information is matched with the preset key, and the storage information includes shareholder information and lending information corresponding to the name information.
A first processing module 440, configured to determine whether a change occurs to a shareholder in the shareholder information.
The first executing module 450 is configured to determine whether the loan information includes default information or the number of times of loan exceeding a preset amount if the loan information includes the default information.
The second executing module 460 is configured to determine that the risk level of the credit risk of the internet financial platform to be queried is a red level if the loan information includes default information or exceeds the number of times of loan of a preset amount.
A third executing module 470, configured to determine whether the loan information includes default information and the number of times of loans exceeding a preset amount if the shareholder in the shareholder information is not changed.
The fourth executing module 480 is configured to determine that the risk level of the credit risk of the internet financial platform to be queried is a blue level if the default number of times corresponding to the default information is located in a first preset threshold interval and the loan number exceeding a preset limit is smaller than a first threshold, where the blue level is smaller than the red level.
And the output module 490 is used for outputting the risk level of the credit risk of the internet financial platform to be queried.
The specific implementation of the internet financial platform credit risk monitoring apparatus 400 may refer to the method shown in the second embodiment, and will not be described herein again.
Further, this embodiment also provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processing device, the method for monitoring credit risk of an internet financial platform provided in the second embodiment is performed.
The computer program product of the internet financial platform credit risk monitoring method, device and system provided by the embodiment of the present application includes a computer readable storage medium storing a program code, where instructions included in the program code may be used to execute the method described in the foregoing method embodiment, and specific implementation may refer to the method embodiment, and will not be described herein again.
It should be noted that the above functions, if implemented in the form of software functional units and sold or used as independent products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application or portions thereof that substantially contribute to the prior art may be embodied in the form of a software product stored in a storage medium and including instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application. It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.
Claims (10)
1. An internet financial platform credit risk monitoring method is applied to a third-party server, and comprises the following steps:
the method comprises the steps of obtaining internet financial platform credit inquiry information input by a user based on a fifth generation mobile communication technology 5G link dual-connection mode, wherein the internet financial platform credit inquiry information comprises name information, stockholder information and loan information of an internet financial platform to be inquired, and the method comprises the following steps of: receiving M pieces of internet financial platform credit inquiry information input by M users based on a 5G link dual-connection mode of a fifth generation mobile communication technology; storing the M pieces of credit inquiry information of the internet financial platform into a first temporary storage space; transferring N pieces of credit inquiry information of the Internet financial platform in the first temporary storage space to a second temporary storage space at one time by using a mass transfer technology, wherein N is more than 3 and is less than or equal to M; the N pieces of credit inquiry information of the internet financial platform are independently transferred and are not subjected to packaging compression transfer; processing the credit inquiry information of the internet financial platform in the second temporary storage space;
acquiring a preset key corresponding to the name information, wherein the preset key is stored in a key bank, and the key bank is generated in advance according to the name information of all internet financial platforms;
searching storage information matched with the preset key in the block chain, wherein the storage information comprises shareholder information and loan information corresponding to the name information;
determining whether a shareholder in the shareholder information has changed;
if yes, determining whether the loan information comprises default information or loan times exceeding a preset limit;
if the loan information comprises default information or the number of times of loan exceeding a preset limit, determining that the risk level of the credit risk of the internet financial platform to be inquired is a red level;
if the shareholders in the shareholder information are not changed, determining whether default information and loan times exceeding a preset limit are included in the loan information;
if the default times corresponding to the default information are located in a first preset threshold interval and the loan times exceeding a preset limit are smaller than a first threshold, determining the risk level of the credit risk of the internet financial platform to be inquired as a blue level, wherein the blue level is smaller than the red level;
and outputting the risk level of the credit risk of the Internet financial platform to be inquired.
2. The method of claim 1, wherein after determining whether the loan information includes default information and the number of loans exceeding a predetermined amount, the method further comprises:
if the default times corresponding to the default information are located in a first preset threshold interval, and the loan times exceeding a preset limit are larger than a first threshold and smaller than a second threshold, determining that the risk level of the credit risk of the internet financial platform to be inquired is a cyan level, wherein the cyan level is larger than the blue level and smaller than the red level;
if the default times corresponding to the default information are located in a first preset threshold interval, and the loan times exceeding a preset limit are larger than a second threshold and smaller than a third threshold, determining that the risk level of the credit risk of the internet financial platform to be inquired is a green level, wherein the green level is larger than the cyan level and smaller than the red level;
if the default times corresponding to the default information are located in a first preset threshold interval, and the loan times exceeding a preset amount are larger than a third threshold and smaller than a fourth threshold, determining that the risk level of the credit risk of the internet financial platform to be queried is a red level, wherein the first threshold is equal to 1, the second threshold is equal to 5, the third threshold is equal to 7, the fourth threshold is equal to 9, and the first preset threshold interval is 0-1;
acquiring a plurality of pieces of comment information associated with the to-be-queried internet financial platform from a website server based on a 5G link dual-connection mode when the to-be-queried internet financial platform is in the red level;
and displaying the plurality of pieces of comment information.
3. The method of claim 2, wherein prior to said displaying said plurality of comment information, said method further comprises:
for each piece of comment information in the plurality of pieces of comment information, determining relevance measurement of the comment information according to at least one of content and source of the comment information and relevance of the comment information to the to-be-queried internet financial platform;
the displaying the plurality of pieces of comment information includes:
and sequentially displaying the plurality of pieces of comment information according to the relevance measurement of the plurality of pieces of comment information.
4. The method of claim 2, wherein prior to outputting the risk level of credit risk for the internet financial platform to be queried, the method further comprises:
if the default times corresponding to the default information are located in a second preset threshold interval, determining that the risk level of the credit risk of the internet financial platform to be inquired is a black level, wherein the black level is greater than the red level;
generating to-be-linked data by the black level, the name information of the to-be-queried internet financial platform, the shareholder information and the loan information;
calling an intelligent contract deployed in a block chain to generate abstract information corresponding to the data to be linked;
storing the summary information and the data to be uplink into a block chain;
after outputting the risk level of the credit risk of the internet financial platform to be queried, the method further comprises:
if the risk level of the credit risk of the internet financial platform to be inquired is greater than or equal to the red level, acquiring the risk condition of the internet financial platform with the red level in history;
and sending the risk condition to a user terminal in a video format to prompt the user to attach high importance to the internet financial platform to be inquired so as to avoid transaction risk.
5. The method of claim 4, wherein sending the risk profile to a user terminal in a video format comprises:
acquiring user information when sending a video, wherein the user information comprises an IP address, a registration password, a key generation rule and a key sequencing rule;
generating an encryption key according to the registration password, the key generation rule and the key sequencing rule; wherein the generating an encryption key according to the registration password, the key generation rule, and the key sorting rule comprises: extracting a character string from the registration password according to the key generation rule to form a key; dividing the key into a plurality of subkeys; sequencing a plurality of sub-keys according to the key sequencing rule to obtain the encryption key;
encrypting the video according to the encryption key to obtain an encrypted video;
and sending the encrypted video to a user terminal.
6. The method of claim 5, further comprising:
and deleting the access record of the user to clear the history information of the user accessing the third-party server, wherein the access record comprises the credit inquiry information of the internet financial platform initiated by the user and the login information of the user, and the login information comprises an IP address, a registration password, a key generation rule and a key sorting rule.
7. The method of claim 1, wherein before determining whether the loan information includes default information or the number of loans exceeding a predetermined limit, the method further comprises:
if the shareholder in the shareholder information is changed, generating a shareholder change topology structure chart, wherein the shareholder change topology structure chart comprises the shareholder change times and the number of shareholder change persons;
respectively calculating the influence degree value of each shareholder change on the to-be-inquired internet financial platform based on the shareholder change topology structure chart;
counting the number of the influence degree values which are larger than a preset influence degree value threshold;
if the number is less than or equal to 1, executing the following steps: determining whether the loan information comprises default information or the loan times exceeding a preset limit;
and if the number is greater than 1, determining that the risk level of the credit risk of the to-be-queried internet financial platform is a red level.
8. The method of claim 3, further comprising:
acquiring IP addresses and equipment types which are input by a user and used for receiving the plurality of pieces of comment information, wherein the equipment types are vehicle-mounted central control displays;
and sending the plurality of pieces of comment information to an on-vehicle central control display by using a 5G network based on the IP address and the equipment type so as to display the plurality of pieces of comment information in the on-vehicle central control display one by one.
9. An internet financial platform credit risk monitoring device, applied to a third-party server, the device comprising:
the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring internet financial platform credit inquiry information input by a user based on a 5G link dual-connection mode of a fifth generation mobile communication technology, the internet financial platform credit inquiry information comprises name information, stockholder information and loan information of an internet financial platform to be inquired, and the first acquisition module is specifically used for: receiving M pieces of internet financial platform credit inquiry information input by M users based on a 5G link dual-connection mode of a fifth generation mobile communication technology; storing the M pieces of credit inquiry information of the internet financial platform into a first temporary storage space; transferring N pieces of credit inquiry information of the Internet financial platform in the first temporary storage space to a second temporary storage space at one time by using a mass transfer technology, wherein N is more than 3 and is less than or equal to M; the N pieces of credit inquiry information of the internet financial platform are independently transferred and are not subjected to packaging compression transfer; processing the credit inquiry information of the internet financial platform in the second temporary storage space;
the second acquisition module is used for acquiring a preset secret key corresponding to the name information, the preset secret key is stored in a secret key library, and the secret key library is generated in advance according to the name information of all internet financial platforms;
the searching module is used for searching for storage information matched with the preset key in the block chain, wherein the storage information comprises shareholder information and loan information corresponding to the name information;
the first processing module is used for determining whether the shareholder in the shareholder information is changed;
the first execution module is used for determining whether the loan information comprises default information or the loan times exceeding a preset limit if the loan information comprises the default information;
the second execution module is used for determining that the risk level of the credit risk of the internet financial platform to be inquired is a red level if the loan information comprises default information or the number of times of loan exceeding a preset limit;
the third execution module is used for determining whether the loan information comprises default information and loan times exceeding a preset limit if the shareholder in the shareholder information is not changed;
the fourth execution module is used for determining that the risk level of the credit risk of the internet financial platform to be inquired is a blue level if the default times corresponding to the default information are located in a first preset threshold interval and the loan times exceeding a preset limit are smaller than a first threshold, and the blue level is smaller than the red level;
and the output module is used for outputting the risk level of the credit risk of the internet financial platform to be inquired.
10. A computer system, comprising: a processor; and a memory storing a computer program that, when executed by the processor, causes the processor to perform the method of any one of claims 1-8.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN117010905A (en) * | 2023-10-08 | 2023-11-07 | 中国建设银行股份有限公司 | Dynamic identification processing method and device for transaction risk list data |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117010905A (en) * | 2023-10-08 | 2023-11-07 | 中国建设银行股份有限公司 | Dynamic identification processing method and device for transaction risk list data |
| CN117010905B (en) * | 2023-10-08 | 2023-12-29 | 中国建设银行股份有限公司 | Dynamic identification processing method and device for transaction risk list data |
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